What should I expect to receive from my lender under this new law?

When you receive a Notice of Intent to Foreclose after July 1, 2010, the lender must also include the following documents: Information and resources on how to access housing counseling services An explanation of the Maryland foreclosure process and timeline A Loss Mitigation Application, including a description of the eligibility requirements for programs offered by the lender/servicer Instructions for completing and returning the application to the attorney handling the foreclosure for the lender An envelope preprinted with the address of the person responsible for conducting the loss mitigation analysis If you receive a PRELIMINARY LOSS MITIGATION AFFIDAVIT when you are personally served with court papers when the foreclosure action is filed, your lender must also include the following documents: A Loss Mitigation Application and a description of the eligibility requirements Instructions for completing and returning the application to the attorney handling the foreclosure for the lender An envelope preprinted with the address of the attorney handling the foreclosure for the lender If you receive a FINAL LOSS MITIGATION AFFIDAVIT, your lender must also include the following documents: A Request for Foreclosure Mediation Form An envelope preprinted with the address of the Clerk of the Circuit Court An envelope preprinted with the address of the foreclosure attorney handling the foreclosure for the lender

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